WPA adds moratorium underwriting

For the last 13 years clients have only been accepted on an FMU basis, but following significant broker feedback it has made the change to extend its reach to new customers. The provider said it still favoured a full medical underwriting (FMU) approach but recognised that a moratorium would be preferred by some clients. To qualify, moratorium applicants must not have been diagnosed with heart disease, stroke, diabetes, cancer or be undergoing regular screening for cancer nor had a surgical procedure or arthroscopy for a joint or back condition. Applicants over 18 must also have a b...